I am Sanaullah Khokhar currently serves as a Relationship Officer at an Islamic microfinance bank, where I specializes in gold management and Shariah compliance. With over 1 years of experience in microfinance, I have held key positions in loan management, recovery, and compliance. my deep expertise in financial services, coupled with a strong background in managing relationships with clients, makes I  adept at overseeing Shariah-compliant financial transactions. i am  Sanaullah is skilled in guiding clients on the proper handling of financial instruments while ensuring that all processes align with Islamic finance principles. my work also involves business development and enterprise strengthening to support sustainable financial growth.

As a Compliance Officer and District Program Officer, I conducted appraisals and verification through field visits, analyzing appraisal standards and the performance of community organizations (COs) and clients. I took appropriate actions to address violations and recommended personnel actions for non-compliant activities, reporting findings to the Head of Microfinance.
I developed and maintained policies to prevent unethical conduct and coordinated compliance activities across various departments. I acted as an independent body to evaluate and resolve compliance concerns, while providing guidance on Standard Operating Procedures (SOPs) to management and staff. I also verified overdue clients using MIS-generated due lists and reviewed credit loan standards periodically.

As a Branch Manager at SRSO, I conducted social and technical appraisals of community organizations to ensure their creditworthiness. I was responsible for disbursing loans according to SRSO policies and ensuring timely follow-up and 100% recovery. I ensured that all recoveries were deposited in bank accounts and encouraged clients to save on a monthly basis.
I maintained daily records, ensured the safe keeping of receipt books, and made sure that community organization meetings were held regularly. Additionally, I evaluated loan applications, provided feedback to applicants on any deficiencies, and approved loans by issuing checks or forwarding them to the loan committee. My role required maintaining customer confidence by ensuring the confidentiality of loan information.

As a Relationship Officer at Tameer Bank, I Sanaullah Khokhar was responsible for enhancing the impact of loans and incorporating lessons from experience into future microfinance operations. He worked closely with the Monitoring and Evaluation department to provide managers with data to improve loan efficiency and effectiveness. Key tasks included verifying that borrowers received credit services and ensuring they had a positive impact.
I Sanaullah also developed systems for routine data collection and worked on designing collection, analysis, and reporting frameworks. He ensured all indicators met donor requirements and managed data collection schedules. Additionally, he supported maintaining accurate records, timely recoveries, and fostering healthy client relationships.